Auto Insurance in Baton Rouge

Serving Customers Across Louisiana Since 1968

Driving is a daily necessity for many Baton Rouge residents — from commuting to weekend road trips. That’s why having the right auto insurance is essential. Our Louisiana-based independent insurance agents help you understand exactly what’s covered, avoid overpaying, and find the best car insurance policy for your needs.

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Baton Rouge traffic
5 Stars
Jeff and staff are a great group of professionals who care about the consumer. The process was seamless and I highly recommend them!
–
Joseph C.
5 Stars
Brittany was able to save me almost half off the rate I was getting with my previous provider, while still keeping the same coverage! Fast and easy to work with. Highly recommend Brittany with Lewis Mohr!
–
Layne S.

Why Choose Us for Baton Rouge Auto Insurance

Independent & Local: We’re based right here in Baton Rouge and work with multiple top-rated insurers—so you get options, not one-size-fits-all coverage.

Personalized Service: Our experienced agents take the time to understand your driving habits and budget, ensuring you get the right protection at the best price.

Coverage You Can Count On: From daily commutes to weekend getaways, we help keep you protected on Louisiana roads—with policies designed to deliver real peace of mind.

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Top Questions About Auto Insurance in Louisiana Answered

Gretchen Vidrine Headshot
Answered by
Gretchen Vidrine, CISR
Updated on
Aug 05, 2025

How much is car insurance a month in Louisiana?

The average cost of car insurance in Louisiana is around $210 per month for full coverage, according to recent industry estimates. However, your actual rate may vary depending on your age, driving record, vehicle type, credit score, and coverage choices.

Why is car insurance in Louisiana so high?

Louisiana has some of the highest car insurance rates in the country due to a combination of factors—frequent severe weather, high accident and litigation rates, and rising repair costs. We break this down in detail in our article: Why Insurance Rates Are Rising in Louisiana (2025).

What is the biggest factor in car insurance?

Your driving history is often the most significant factor in determining your rate. Accidents, traffic violations, and claims can raise your premium, while a clean record can help you qualify for discounts and lower rates.

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Resources to Explore

What Auto Insurance Usually Covers

  • Bodily Injury. Covers you for bodily injury or death from an accident for which you’re at fault and often covers associated legal defense expenses.
  • Property Damage. Protects you if your vehicle accidentally damages another person or business’s property.
  • Medical Payments. Whether you are at fault or not, this usually pays medical expenses of the driver and passengers in the vehicle that are in an accident.
  • Uninsured Motorists. This pays for injuries and sometimes certain property damage when involved in an accident with a driver who is uninsured. This will also usually cover hit-and-run accidents.
  • Comprehensive. This covers vehicle damage resulting from flood, fire, vandalism, theft and other covered perils.
  • Collision. Pays for the damage to a vehicle when it is hit or hits another object.

Did You Know?

Louisiana ranks among the most expensive states—average annual full-coverage premiums are around $3,600–$3,700, significantly higher than the national average of ~$2,500.
Louisiana Record

What Auto Insurance Usually Doesn't Cover

  • Personal Belongings. Comprehensive insurance will cover the damages to your car if it’s stolen or vandalized, but not any items inside the car. Normally this will be covered under your homeowners or renters insurance policy.
  • Individuals not on the policy that live with you. Generally car insurance will only cover individuals on the policy and those who don’t live with you that have permission to use the car.
  • Car Loan for Totaled Vehicle. Collision and Comprehensive insurance will cover your car’s market value minus your deductible. So if your car is worth less than you owe, you will need to make up the difference. Gap Insurance can be used to mitigate this risk.
  • Custom Parts and Equipment. If your car is damaged or stolen, car insurance will not cover the cost of custom add-ons. However, many policies offer an optional policy to cover this.
  • Business Use. If you use your car for business purposes such as Uber or pizza delivery, you will need to purchase a commercial auto policy since these are excluded under most personal policies.